Escolar Documentos
Profissional Documentos
Cultura Documentos
27 6 Whether records are held in respect of pre sanction visit to verify the 10 0
antecedents/genuineness of borrower/gurantor?s business place.
23 108 Whether monthly updating of drawing power in the computer system on the basis of 51 17
stock statements/Book debts statements/Other financial data received from the
borrower is ensured
21 186 Whether KYC/AML guidelines are adhered in opening of fresh accounts and 66 0
subsequent modification of records and monitoring of transactions
22 188 KYC norms and due diligence complied for both loan and deposit accounts----------- 66 0
Photo and address proof with authentication
32 196 CIF of all accounts are available on record and kept under proper custody after 66 0
scrutiny and authentication.
33 214 Cheque book is issued on the basis of request other than requisition slip with 0 0
BM?s/authorized officials permission only.
17 221 Transaction in newly opened accounts are monitored for at least 3 months. Every 0 0
leaf of first cheque book marked as ?new account? on top.
18 222 Whether transactions are monitored to spot suspicious transactions and in case such 0 0
transactions are identified they are promptly reported to ZO
20 234 The accounts maintained with RBI/SBI and other banks are reconciled and the 0 0
balances tallied with the General Ledger.
FRAUD SENSITIVITY INDEX :.ANNEXURE
8 275 Daily in and out register/record in CBS is maintained and control is exercised on 0 0
security forms during the day
9 277 Whether vouchers other than cash payment vouchers / instruments are passed on the 0 0
face, stitched, sealed & kept in Record Room under lock & key
10 282 Balances of any heads have not been tallied by creating a dummy account for 0 0
parking of entries and there is no outstanding in these accounts.
1 285 Whether any abnormal receipts or payments obeserved in daily cash transaction 0 0
11 293 Whether cash held in joint custody of the Manager and the Head Cashier / Cashier- 0 0
in-charge and cash balance book is signed daily by the joint custodians
12 295 Whether compliance of the prescribed safeguards for cash remittance including 0 0
entering of relevant information in Cash Transit Register is made
5 312 Whether compliance of guidelines for cheque purchase/ bills purchase are 0 0
meticulous
6 326 Reconciliation of clearing account is done on regular basis and review of old 0 0
outstanding entries for reconciliation is done
4 375 Whether statements and returns are submitted to ZO/HO/RBI in time and accurately 0 0
& entered in Diary / register of submission of Returns.
3 530 Whether adequate safeguards have been taken against mis-use of bank's data / 0 0
information by the outsourced agency.